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Asset finance

Fund replacements or upgrades with asset finance.

Whether you’re looking to purchase new or used machinery, specialised equipment or vehicles, we could help you fund it. Secured or unsecured, our flexible business loans may provide the asset finance you need.

Apply in minutes, get a decision in seconds

You can apply for a business loan up to $100,000 without using your home or other asset as security.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

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Here's how it works

1

Complete the easy online application anytime, anywhere.

2

In just a few seconds we'll get back to you with a decision.

3

If approved, the money could be in your account in a matter of days.

Get started

What we offer

Borrow against new or used goods.

100% finance available. We’ll work to suit your cash flow with seasonal payment structures and flexible terms of up to 5 years. We can even fund GST if needed.

No need to change your bank.

And no need to mortgage your home. Our fast and flexible finance is designed to work alongside your everyday banking to give you the freedom to manage your finances to suit your needs.

Get the business assets you need.

If approved, use your asset finance facility to purchase new vehicles and equipment or replace existing assets. Talk to us about what you need – we’ll do our best to help.

What our customers say

"The online application was easy ... It's great finding a bank that walks the talk and is there to help entrepreneurs like us."

Richard Liew

Founder of NZ Entrepreneur,
Open for Business customer

Why choose Heartland?

1,000

businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Kiwis' money

As featured in

Apply in minutes, get a decision in seconds

You can apply for a business loan up to $100,000 without using your home or other asset as security. Or you can apply for a partially secured business loan up to $250,000.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

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Questions? We have answers

Interest rates vary between 10% and 16.75% (p.a.) depending on a range of factors. Once you have completed the online application, our lending specialists will discuss interest rates and repayments with you.
We don’t take residential property as security; we will look to use business assets instead such as vehicles or machinery as security.
Of course! Though it’s worth noting that if you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements.
Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
The online application takes around 3 minutes to complete.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $100,000.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
Send an email with your account name and the period you would like the loan statement for to [email protected]

Discover the right business finance for you.

Truck and Trailer Loans

Funding for all types of trucks and trailers.

Plant & Equipment Loans

Fund the equipment your business needs now.

Small Business Loans

Fast finance for your small business.

Franchise Loans

Finance that gets your franchise up and running.

Heavy Machinery Loans

A flexible way to finance your heavy machinery.

Working Capital Loans

Funding to assist with your business' cash flow.

Prefer to talk directly to one of our business specialists?

Email Heartland

Email us

[email protected]

Call Heartland

Call us

0800 80 91 91

Chat with Heartland

Chat online

with one of our team

Lending criteria, terms, conditions and fees apply.